Insure In Canada

Ingle: Visitors to Canada OR Super Visa Insurance

Basic Benefits

Covid-19 coverage
Ambulance Services / Transportation
Emergency Hospitalization
Up to Coverage Amount
Services of a Physician, Surgeon, etc.
Up to Coverage Amount
Emergency Medical Care
Up to Coverage Amount
Walk-in Clinic Visits
Follow Up Treatment
Laboratory Diagnostics / X-Ray
Max $10,000
Prescription Medications
Max $5,000 OR a 30 day Supply
Dental Pain Relief
Not Covered
Emergency Dental Repair
Max 1,000
24-hour Emergency Assistance Center
Emergency Home Return / Evacuation
Repatriation of Remains
Max $5,000
Cremation / Burial
Max $5,000
Stable Pre-existing Medical Conditions Coverage
Included, if Selected
Private Duty Nurse / Medical Attendant
Max $10,000
Rental / Purchase of Medical Appliances
Max $10,000
Side-Trips Benefit (with in Canada and outside of Canada)

Enhanced Benefits

Emergency Services of Chiropractor, Chiropodist, Physiotherapist, Osteopath, or Podiatrist
Max $1,000 Combined
Accidental Death
Not Covered
Double Dismembernent
Not Covered
Single Dismembernent
Not Covered
Bedside Companion Accommodation / Transportation
Only Airfare $2,000
Meals and Accommodation / Hospital Allowance / Out-of-pocket Expenses
Max $1500/$100 Per Day
Maternity Benefits / Delivery Coverage
Pregnancy Complications Coverage
Physical Examination (Non-emergency)
Eye Examination (Non-emergency)
Vaccines (Non-emergency)
Child Care / Escort Expenses
Max $1,000
Psychiatric / Psychological
Return of a Vehicle
Sports Injuries Coverage
Not for Hazardous Sports
Flight / Travel Accident
Up to the Coverage Amount
Trip-Break Benefit

You are eligible for the medical emergency insurance coverage under INGLE Assurance’s policy, provided that you meet the following conditions upon the Effective Date of your coverage:

– You are at least 15 days old and 89 years old or under.

– You are not eligible for and/or insured with any Government Health Insurance Plan in Canada.

– You are currently in good health and have no reason to seek medical assistance during your stay in Canada.

– You are not residing in a nursing facility (including rest home, convalescent home, rehabilitation center or home for the

aged unless you receive prior approval from the insurance company).

Waiting Period:

Please note that a Waiting Period of 5 days for medical emergency treatment of sicknesses or injuries will only apply to insurance policies that are purchased:

– After the expiry date of existing medical insurance coverage with INGLE Assurance; or

– After you exit your country of residence (after your trip to Canada begins).

For more information, please review the Policy Wording.

Making a Claim with INGLE Assurance:

In case you have a medical emergency during the covered trip and need immediate medical assistance, you or someone on your behalf MUST call the Emergency Assistance center before opening a claim file before receiving medical treatment.

Failure to contact the Company within the first 24 hours of hospitalization will limit otherwise payable benefits to 50% of any gross eligible expenses incurred, or the maximum liability under this policy will be limited to $25,000 should you select a

the maximum aggregate of $50,000 or greater.

INGLE Assurance Emergency Assistance is available 24 hours and 7 days a week.

– Toll-Free – 1.855.883.6479

– Collect – 416.467.4587

To file your claim, you need to do the following:

– A brief explanation of your medical emergency.

– Complete and sign a Claim Form provided by the Emergency Assistance.

– Include original receipts for treatment and/or prescription medications.

– Attach other supporting documents (if requested by the Emergency Assistance).

– Send the form with your receipts to the following address:

Please note that you must submit your claim within 90 days immediately following your medical emergency.

Mail or Deliver Claims to:

Ardent Assistance Inc.

4-160 Pony Drive

Newmarket, Ontario,

L3Y 7B6

You must notify the Emergency Assistance at 1-855-883-6479 or 416-467-4587 (collect) within 24 hours of any claim for medical or dental treatment. For inquiries after the claim has been submitted, you may call the same number.

Premium Refunds:

Please note that you must have no claims that are pending or paid for in your file to request a refund of the paid premium. If you have submitted a claim, premium refunds will not be available.

Full Refunds:

– You request a full premium refund within 10 days of purchasing your insurance policy (ONLY before the Effective Date).

Refund requests will be considered for other reasons, including the following:

a) Early Departure from Canada: You return to your home country of origin before the expiry date of your INGLE insurance policy. A copy of a boarding pass as proof of early departure from Canada will be required.

b) Trip Cancellation: If you are medically unfit to travel to Canada, you can apply for a premium refund. Proof of medical emergency will be required.

c) Government Insurance Plan: You become eligible for and covered with any Canadian Government Health Insurance Plan before the expiry date of your policy with INGLE Assurance (ONLY if you are not required to have private insurance coverage to maintain eligibility for a work permit or any immigration purposes). Proof of provincial insurance coverage will be required.

d) Travel Visa Denial: If your travel or Super Visa has been denied, you can apply for a refund of the paid insurance premium. Proof of visa rejection from IRCC will be required.

The cancellation fee for any refund (except the 10-day refund rule) is $25 per policy.

Important Notice: Minimum premium refund amount is $10. Refunds that are less than the minimum amount will not be issued. Premium refunds are calculated from the date INGLE Assurance receives your refund request.


Please read the section on Premium Refunds that can be found in the Policy Wording.

To request a refund, please contact us.


No coverage shall be provided under this Policy and no payment shall be made for any Loss resulting in whole or in part from, or contributed to by, or as a natural and probable consequence of, any of the following excluded risks:

1. Any Pre-existing Condition, unless You have been approved for Pre-existing Condition coverage and received a Policy Receipt from the Company. The Pre-existing Condition exclusion will apply to a loss or expenses resulting from a medical condition symptoms that existed on or prior to Your Effective Date, unless You have selected underwriting to cover Your Pre-existing Conditions and paid the corresponding additional premium.

Any condition that was not Stable at any time during the 365 days immediately before the Effective Date unless You have paid the additional premium required to reduce the Period of Stability; or

Any condition listed under “Exclusions” on Your Policy Receipt; or

Any condition listed under “Notes” on Your Policy Receipt as an excluded condition; or

Check to see how this exclusion applies in Your policy and how it relates to Your Effective Date, date of purchase and Termination Date. In the event of an accident, Injury or Sickness, Your prior medical history will be reviewed when a claim is reported. You must notify the Company prior to any Treatment. Your policy may limit benefits should You not contact the Company within a specific time period.

2. Diabetes: if You have been previously diagnosed with diabetes, Treatment for cardiovascular or cerebrovascular conditions is not covered (excluded) unless You have purchased a policy to cover Your conditions and received a Policy Receipt issued by the Company to cover Your Pre-existing Conditions.

3. Any loss, Sickness or Injury which occurred outside of Canada, or any loss, Sickness or Injury which occurred during the waiting period or any loss, Sickness or Injury occurring while this policy is not in effect;

4. Hospital or Treatment, where this policy is specifically purchased to obtain such services, whether or not authorized by a Physician;

5. Expenses incurred as a result of asymptomatic or symptomatic HIV infection, Acquired Immune Deficiency Syndrome (AIDS), AIDS related conditions (ARC) or the presence of HIV, including any associated diagnostic tests or charges or other sexually transmitted disease;

6. A Sickness, Injury or related condition during a Trip undertaken;

a. with the knowledge that You will require or seek Treatment or surgery for that Sickness, Injury or related condition, or

b. for the purpose of obtaining Treatment or surgery.

7 Non-Emergency Treatment or investigation, check-ups, cosmetic surgery, chronic care, rehabilitation, or any complications directly or indirectly related thereto, or Treatment which can be reasonably delayed until You can return to Your Country of residence by the next available means of transportation. The delay to receive Treatment in Your Country of residence has no bearing on the application of this exclusion;

8 Sickness or Injury when travel is booked or commenced contrary to medical advice, with prior knowledge of an Unstable Condition, or after determination of a Terminal Prognosis;

9 Major medical or surgical procedures, including but not limited to cardiac surgery, which are not approved in advance by the Medical Director;

10 Expenses arising from Sickness or Injury related to a change in a pre-approved Pre-existing Condition if You failed to notify the Company of that change prior to Your Effective Date;

11 Any Treatment, investigation, or hospitalization which is a continuation of or subsequent to a Medical Emergency, unless You are declared medically unfit to return to Your Country of residence by the Medical Director;

12 Childbirth, miscarriage, deliberate termination of pregnancy or any complications incident to pregnancy;

13 Mental, nervous or emotional disorders, misuse of medication, abuse of drugs or intoxicants, any Sickness related to and/or induced by alcohol, medication, drug and/or toxic substance abuse, any accident related to and/or induced by an excessive consumption of alcohol (determined by a blood-alcohol level in excess of eighty (80) milligrams per one hundred (100) milliliters of blood) or Treatment therefor;

14 Suicide or attempt thereat, or self-inflicted injury, whether sane or insane;

15 Sickness or Injury arising from civil disorders, war or act of war, declared or not, or willful exposure to peril except in an attempt to save human life;

16 Committing or attempting to commit any criminal or illegal activity;

17 Air travel other than as a passenger in a commercial aircraft with a seating capacity of six people or more, licensed to carry passengers for hire;

18 An automobile accident where You are entitled to benefits under an automobile insurance policy (including but not limited to no-fault benefits), or under an applicable Insurance Act;

19 Participation in sanctioned competitive sports, professional sports or, participation in aerobatic or stunt flying, hang gliding, mountaineering, skydiving, parachuting, bungee jumping, scuba diving without being properly certified, extreme fighting, any racing or speed contests unless the Company has accepted the risk and issued a Rider;

20 For children under two (2) years of Age: Any Sickness or medical condition related to a birth defect;

21. Treatment or surgery for a specific condition, or a related condition, which:

a. had caused Your Physician to advise You not to travel, or

b. You contracted in a country during Your Trip when, before Your Effective Date, a written formal notice was issued by the Department of Foreign Affairs and International Trade of the Canadian government, advising Canadians not to travel to that country, region or city;

22. Noncompliance with prescribed medical therapy or Treatment;

23. a. cardiac catheterization, angioplasty and/or cardio-vascular surgery including any associated diagnostic test(s) or charges unless approved in advance by the Company prior to being performed, except in extreme circumstances where such surgery is performed as a Medical Emergency immediately upon admission to Hospital;

b. magnetic resonance imaging (MRIs), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies unless approved in advance by the Company;

c. The replacement of an existing prescription, whether by reason of loss, renewal or inadequate supply, or the purchase of drugs and medications (including vitamins) which are commonly available without a prescription or which are not legally registered and approved in Canada;

24. Services in connection with general health examinations, routine prenatal care, regular care of a chronic condition;

25. The continuing care and/or Treatment of an acute Sickness or Injury after the initial Medical Emergency has ended (as determined by Our Medical Director) or a medical consultation where the Physician observes no change in a previously noted condition, symptom or complaint;

26. Medical care or surgery that is cosmetic in nature;

27. Cataract surgery or services provided by a naturopath or an optometrist or in a convalescent home, nursing home, rehabilitation centre or health spa;

28. Air ambulance services unless approved in advance and arranged by the Company;

29. Damage to or loss of hearing devices, eye examinations, eyeglasses, sunglasses, contact lenses, or prosthetic teeth or limbs, and resulting prescription thereof;

30. Expenses for which no charge would normally be made in the absence of insurance or expenses which exceed the Reasonable and Customary charges for the region where the services were provided or any loss, Sickness or Injury if the expense is incurred in Your Country of residence.

31. The Company reserves the right to transfer You to an appropriate Hospital within our network, provided You are medically fit to be transferred or to arrange transportation to return You to Your Country of residence following a Medical Emergency. If You decline to return to Your Country of residence when declared medically fit to travel by the Medical Director, any continuing expenses for such Sickness or Injury shall not be covered.

32. Failure to contact the Company within the first 24 hours of hospitalization for a Medical Emergency will limit benefits under this policy to 50% of any gross eligible expenses incurred or the maximum liability under this policy will be limited to $25,000 should you select a maximum aggregate of $50,000 or greater.

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